Sterling PlaybookUK payments · operating notesSearch this site

Local-use calculator

Find the difference. Then investigate it.

A transparent arithmetic tool. Inputs are hypothetical unless you replace them. No data leaves your browser.

Conceptual mechanical home instrument, built from solid components

Hypothetical scenario / GBP

Set the working figures.

£

The amount your scenario requires to be covered.

£

The total balance before the exclusions you specify below.

£

Do not subtract an exclusion twice. Eligibility is your assessment.

Illustrative shortfall

£12,000.00

Arithmetic difference only. Investigate the inputs and applicable treatment.

Net resources£988,000.00
Requirement£1,000,000.00

The formula is deliberately visible.

Net resources = gross resources − exclusions
Difference = net resources − requirement

Negative difference: illustrative shortfall. Positive difference: illustrative excess. Zero: arithmetic match, not a compliance conclusion.

The initial values are a hypothetical worked example. They are not data from a firm. Different currencies, cut-offs and legal classifications require separate assessment. This tool makes no assertion that entered balances are eligible relevant funds or safeguarding resources.

Method, assumptions and limits

We use official sources for regulatory facts and label our suggested workflows as editorial methods. Illustrative examples are hypothetical. The content does not establish the position of any individual firm and is not a prescribed regulator template.

Source review date: 12 November 2026. No automatic monitoring is running. Check the underlying document, applicable entity, activity and jurisdiction before using this material.

Read the full methodology

Questions, answered.

Does the result confirm safeguarding compliance?

No. It performs arithmetic on your chosen inputs. The legal definition, eligibility, timing and treatment of balances must be assessed separately.

Are my balances sent anywhere?

No. The calculation runs locally in your browser. The page does not send inputs to a server or store them in local storage.

What does excluded mean here?

It is an amount you identify within the entered gross resources that should not be counted in this illustrative calculation. This tool does not decide eligibility.

Sources & scope

Primary sources used for this research edition. Document dates and commencement dates are different fields. Recheck the issuing authority before acting.

  1. FCA Handbook: CASS 15: relevant fundsHandbook · source reviewed 12 November 2026
  2. FCA: Safeguarding requirements for payment and e-money institutionsGuidance · source reviewed 12 November 2026